Great Southern Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 18.67 percentage points in Q2 2026, from 460.29% to 441.63%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Great Southern Bank is 20th of 192 on loan-to-deposit ratio, 100.07% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Great Southern Bank sits 11.87 points higher, at 100.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.38B |
| Net loans and leases | $4.32B |
| Loans held for sale | $7.9M |
| Loans to total assets | 79.25% |
| Loan-to-deposit ratio | 100.07% |
| Net loans to equity capital | 7.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.30% |
| Multifamily (5+ residential) | 30.72% |
| Commercial and industrial | 3.47% |
| Consumer | 0.97% |
| Credit cards | 0.00% |
| Farm | 0.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 441.63% |
| Construction concentration (Tier 1 capital + allowance) | 57.98% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.90% |
| Interest income on loans | $66.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.63B | $4.90B | 31.56% | 7.23% | 1.34% |
| Q4 2023 | $4.66B | $4.77B | 31.84% | 6.65% | 1.22% |
| Q1 2024 | $4.66B | $4.83B | 31.46% | 5.39% | 1.17% |
| Q2 2024 | $4.71B | $4.68B | 31.45% | 5.26% | 1.15% |
| Q3 2024 | $4.79B | $4.78B | 31.62% | 4.59% | 1.10% |
| Q4 2024 | $4.76B | $4.70B | 31.67% | 4.23% | 1.09% |
| Q1 2025 | $4.76B | $4.86B | 30.63% | 4.17% | 1.04% |
| Q2 2025 | $4.60B | $4.71B | 31.60% | 3.88% | 1.06% |
| Q3 2025 | $4.54B | $4.56B | 33.09% | 4.71% | 1.04% |
| Q4 2025 | $4.43B | $4.54B | 34.52% | 3.51% | 1.03% |
| Q1 2026 | $4.53B | $4.51B | 34.38% | 3.47% | 0.97% |
| Q2 2026 | $4.38B | $4.38B | 33.30% | 3.47% | 0.97% |
Great Southern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Southern Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Great Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29546) · FFIEC NIC profile (RSSD 572374)